WestStar Credit Union offers a Courtesy Overdraft program which
may provide payment of checks, ACH/EFT transactions, and debit
card transactions from Checking Accounts, when all available funds
from all specified overdraft sources have been depleted. For
Debit Card Overdraft
Protection, you must complete the Debit
Card Overdraft Protection form. Overdrafts that result
from using an ATM machine or a transaction with a Teller will
not qualify for Courtesy Overdraft.
The credit union may clear checks, debit card transactions (opt-in
required), and ACH/EFT transactions when there are no available
funds. We will charge you a fee up to $38.50 each time we pay
Courtesy Overdraft program requirements
- Must be 18 years and older
- Must be in good standing, with no WCU loans past due and have
not caused WCU to incur a loss.
- Have an active:
- Star or SilverStar Checking open for 90 days. Eligible
for $500.00 (inclusive of fees)
- Star or SilverStar Checking open for 1 years. Eligible
for $750.00 (inclusive of fees)
- Fresh Start Checking open for 90 days with Direct Deposit.
Eligible for $300.00 (inclusive of fees)
- Accounts must be brought to a positive balance within 30 days
or the Courtesy Overdraft pogram will be revoked.
All members who qualify will be automatically enrolled in the
check/ACH/EFT Courtesy Overdraft program. You must complete
the separate Debit Card
Overdraft Protection form in order to include debit card transactions
in the Courtesy Overdraft program.
If you do not want to participate, you may opt
out of Courtesy Overdraft by contacting our Member
Service Center or log on to eTeller online banking and complete
the opt-out form found on the Account Services page.
*See Membership booklet for additional information on this program
and share draft/ACH restrictions and requirements.